Bank call report · Gouverneur, NY
GS&L Municipal Bank Call Report
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GS&L Municipal Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 148 reported line items, schedule by schedule (880 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 5784921 |
| FDIC certificate number | 59312 |
| Total assets | $31.6M |
Official Q2 2026 call report PDF (FFIEC) →
GS&L Municipal Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (18 items)
About Schedule RC · GS&L Municipal Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $31.6M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $31.6M |
| Total Liabilities and Minority Interest | RCON2948 | $16.7M |
| Total Deposits | RCON2200 | $16.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $15.9M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $15.5M |
| Total Equity Capital | RCON3210 | $15.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $15.0M |
| Other Assets | RCON2160 | $13.1M |
| Surplus | RCON3839 | $11.1M |
| Undivided Profits and Capital Reserves | RCON3632 | $3.0M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.0M |
| Common Stock | RCON3230 | $1.0M |
| Other Liabilities, Total | RCON2930 | $639K |
| Interest-bearing Balances | RCON0071 | $624K |
| Deposits: Noninterest-bearing | RCON6631 | $496K |
| Accumulated Other Comprehensive Income | RCONB530 | -$112K |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $11K |
Schedule RI: Income Statement (22 items)
About Schedule RI · GS&L Municipal Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $537K |
| Net Interest Income | RIAD4074 | $470K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $402K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $402K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $332K |
| Net Income (Loss) | RIAD4340 | $332K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $332K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $181K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $141K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $111K |
| Interest on Other Securities | RIAD4060 | $104K |
| Applicable Income Taxes | RIAD4302 | $70K |
| Total Noninterest Expense | RIAD4093 | $70K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $69K |
| Total Interest Expense | RIAD4073 | $67K |
| Other Noninterest Expense | RIAD4092 | $65K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $30K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $23K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $9K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $5K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $5K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $2K |
Schedule RC-B: Securities (23 items)
About Schedule RC-B · GS&L Municipal Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $16.1M |
| Pledged Securities | RCON0416 | $15.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $6.6M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $6.5M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $4.6M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $4.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $3.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $3.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $3.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $3.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $2.7M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $2.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $1.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $1.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $1.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $1.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $1.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $794K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $403K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $279K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $35K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $20K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $19K |
Schedule RC-E: Deposit Liabilities (14 items)
About Schedule RC-E · GS&L Municipal Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $13.2M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $13.2M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $8.7M |
| Total Transaction Accounts | RCON2215 | $2.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $2.8M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $2.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $1.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $1.4M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $1.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $524K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $507K |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $507K |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $354K |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $153K |
Schedule RC-F: Other Assets (4 items)
Schedule RC-G: Other Liabilities (2 items)
Schedule RC-K: Quarterly Averages (9 items)
About Schedule RC-K · GS&L Municipal Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $33.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $12.5M |
| Mortgage-backed Securities | RCONB559 | $8.3M |
| All Other Securities | RCONB560 | $5.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $4.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $2.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $1.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $505K |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $499K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (9 items)
About Schedule RC-O · GS&L Municipal Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $33.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $16.0M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $15.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $12.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $3.4M |
| Legal Title and FDIC Certificate Number of Parent Institution | RCONA545 | 30,976 |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 118 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 14 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · GS&L Municipal Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $16.3M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · GS&L Municipal Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $33.9M |
| Average total consolidated assets | RCOAKW03 | $33.9M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $16.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $15.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $15.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $15.1M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $15.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $15.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $12.1M |
| Retained Earnings | RCOAKW00 | $3.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$112K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$112K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.928 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.928 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.928 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.848 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.4448 |
Schedule RC-R, Part II: Risk-Weighted Assets (24 items)
About Schedule RC-R, Part II · GS&L Municipal Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $16.3M |
| Total Risk-weighted Assets | RCONG641 | $16.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $16.0M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $16.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $15.9M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $15.4M |
| Total All Other Assets | RCOND981 | $13.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $13.0M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $13.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $13.0M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $13.0M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $3.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $2.7M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $2.7M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $2.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $2.0M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $711K |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $631K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$142K |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$142K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $65K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $65K |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $65K |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $33K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $15.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $14.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $14.8M |
| Other Comprehensive Income | RIADB511 | -$147K |
GS&L Municipal Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the GS&L Municipal Bank call report?
The GS&L Municipal Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does GS&L Municipal Bank file?
GS&L Municipal Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the GS&L Municipal Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: GS&L Municipal Bank has Federal Reserve RSSD ID 5784921 and FDIC certificate number 59312. Either one finds its filings on the FFIEC Central Data Repository.
How often does GS&L Municipal Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
GS&L Municipal Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 59312) · FFIEC NIC profile (RSSD 5784921)